POLICY COVER
You are covered to the extent provided by the policy for physical loss, damage, theft or attempted theft of Own Property (tools, tool boxes, test or demonstration equipment) within Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland whilst loaded upon your vehicle or whilst stored off the vehicle in a Locked Building or a purpose-designed tool store.
In addition we indemnify you for loss or damage to employees’ effects for the limit stated within the policy whilst such property is being loaded on, carried on, or unloaded from your vehicle.
We also cover tools and equipment carried on your vehicle or in your customer's premises for demonstration purposes.
SIGNIFICANT AND UNSUAL EXCEPTIONS:
We will not cover Lap-top, palm-top and similar portable computer equipment, mobile telephones, smartphones or mobile communication equipment
We will not cover money, credit, debit or charge cards, lottery tickets, scratch cards or property of a similar nature
We will not cover theft from unattended vehicles unless all windows, doors or other openings are closed and securely locked, all alarms set and all keys removed. If the vehicle is parked overnight you must comply with the parking conditions set out in the policy.
We will not cover theft from a purpose-designed tool store unless the tool store is locked and permanently fixed to the floor.
We will not cover second hand property for scratching or denting unless caused by an accident to the conveying vehicle
We will not cover own property being driven under its own motive power or property being towed on its own wheels
We will not cover own property whilst being dismantled, erected commissioned or tested.
RSA is a leading international general insurer operating in the UK, Ireland, continental Europe and the Middle East.
We are one of the world's oldest general insurers, providing peace of mind to individuals and protecting businesses from risk for more than 300 years.
Today, we are proud to be a customer-focused, agile and resilient business, with strong brands and an emphasis on operational and performance improvement.
